The best home loan deal may be right under your nose.
Your current lender has probably updated their mortgage and home loan offerings in the last 12 months. A simple enquiry could save you thousands. Now is no time to be shy, call them, tell them you are thinking of re-mortgaging or refinancing.
Your mortgage broker will also be glad to hear from you, even if it just so they can talk to someone. (Loan numbers are down and so are enquiries.)
I use the guys from eChoice and they are always up for a chat.